I have said before that there are only a handful of financial decisions that truly move the dial over a person’s lifetime. The reality is that if you get those decisions right, most of your financial outcomes will take care of themselves. That is why I originally wrote Investopoly and have now completely rewritten it as Wealth by Design. …
Often, financial advisers often manage their own money differently from the clients they advise. After more than two decades working with both advisers and investors, I thought it was worth sharing some of the patterns I have observed. Before doing so, I want to be clear about my intention. This is not intended to be a …
Over the past decade, and especially over the past five years, there has been a significant increase in the number of commercial buyer’s agents in Australia. Many are actively promoting the benefits of investing in commercial property. And with higher interest rates reducing borrowing capacity, more investors are being tempted to consider commercial property as …
Not sure your super fund still stacks up? We update our best super fund report every year so you always have the current answer. Get the free report and the four-factor framework we use with clients. Download Here Unlike most investments, superannuation’s legal structure forces Australians to adopt a very long investment time horizon. Whether you like it …
Warren Buffett’s business partner, Charlie Munger had a guiding philosophy on checklists: “No wise pilot, no matter how great his talent and experience, fails to use his checklist.” Investing is no different. A good checklist removes the need for daily judgement calls, takes emotion out of the equation, and replaces gut feel with process. That is the same …
Not sure your super fund still stacks up? We update our best super fund report every year so you always have the current answer. Get the free report and the four-factor framework we use with clients. Download Here As we approach the end of the financial year, now is a good time to revisit your superannuation contributions before the …
On Thursday, 14 May, we recorded a live YouTube presentation summarising how the proposed tax changes may affect investors, what options may be available, and our current advice. Click here to watch the presentation. Part A: Our view of the tax changes in the budget The main political rhetoric supporting this budget is intergenerational fairness …
The property tax rules have changed. Do not rush your response. Negative gearing, CGT and SMSF borrowing rules are all changing from 1 July 2027. Our free decision tool helps you work out what to do, and just as importantly, what not to do. Download Here Treasurer Jim Chalmers handed down the 2026-27 Federal Budget …
Paying tax is psychologically painful. Loss aversion means we experience losses about twice as strongly as equivalent gains, and this effect is amplified when we pay expenses. Governments are widely seen as wasteful with public money, and that perception is largely justified. Virtually every taxpayer shares the view that too much of what they contribute is squandered. No one enjoys handing it over. But …
Australian property investors need to accept that policy risk has increased substantially, and that this is a permanent shift. Tighter tenancy laws and higher taxes erode returns, and the only way to offset that is to pursue higher returns through a more proactive investment approach. Melbourne’s 15-year property reality check According to Cotality’s Daily Price Index, which began just …
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